OVB Conseils en Patrimoine France

What OVB Conseils en Patrimoine France does

OVB Conseils en Patrimoine France Sàrl is a French financial advisory and insurance brokerage firm headquartered in Entzheim, operating as a wholly-owned subsidiary of Frankfurt-listed OVB Holding AG. Established in Strasbourg in 2003, the company provides personalized, long-term financial advice to individual French households, covering retirement planning, supplementary health coverage, family budget management, multi-risk home insurance, auto insurance, natural disaster coverage, and mortgage brokering. The firm acts purely as an intermediary, earning commissions and fees from partner insurance companies, banks, and mutuelles rather than creating proprietary financial products. Client relationships are managed by a network of certified financial advisors who deliver face-to-face consultations at branch offices (bureaux mandataires), client homes, or neutral locations across multiple French regions.

The company is regulated by the ACPR (Autorité de Contrôle Prudentiel et de Résolution) and registered with ORIAS under number 07 005 116, operating under Article L 520-1 II b of the French Insurance Code. Technology infrastructure is standard for the industry: a TYPO3-based website with mindshape GDPR-compliant cookie consent, Friendly Captcha form protection, Google Analytics, Adform advertising tracking, Google Tag Manager, Zoom for client meetings and advisor training, and data hosted at NetCologne data centers in Cologne, Germany. The company maintains active social media profiles on Facebook, LinkedIn, Instagram, and YouTube, and publishes a content blog covering personal finance topics.

OVB France's go-to-market is an enterprise field sales motion executed through its distributed advisor network, supplemented by content marketing and an online advisor locator tool. Leadership consists of Co-gérant and Directeur Général Jean-Pierre Rivalain and Co-gérant and Responsable stratégique Christian Höfel. A notable recent operational event is the January 2025 judicial liquidation of former insurance partner FWU Life Insurance Lux S.A., which has required OVB France to manage client communications and claims processes in the aftermath. The company's competitive position is anchored to the OVB Holding AG group's 55-year European history and 3.3+ million clients served across 16 European subsidiaries.

Name

OVB Conseils en Patrimoine France

Legal name

OVB Conseils en patrimoine France Sàrl

Website

https://ovb.fr

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

OVB Conseils en Patrimoine France is a French financial advisory and insurance brokerage firm, wholly-owned by Frankfurt-listed OVB Holding AG. It provides personalized long-term financial advice to individual households, intermediating products from partner insurers, banks, and mutuelles across retirement, health, home, auto, and mortgage categories.

Ownership category

akta.pro rank

Product category

Financial Advisory and Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282), Loan Brokers (6163)

akta.pro primary industry

Family Office Advisory (Single/Multi-Family) (FSAEAAAI)

akta.pro secondary industry

Risk Management & Insurance Advisory for Families (FSAAADAK)

Keywords

• Financial advisory services
• Insurance brokerage
• Retirement planning
• Wealth management advisory
• Mortgage brokering

Headquarters

HQ city

Entzheim

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Advisory and Intermediation Fees: OVB France acts as an intermediary between clients and financial product providers (insurance companies, banks, mutuals). Revenue is generated through intermediation between clients and partner product suppliers, with the company earning commissions or fees from these partnerships. The company does not create its own financial products but recommends solutions from external partners.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

OVB Conseils en Patrimoine France provides personalized, long-term financial advisory services to individual French households, acting as an intermediary between clients and external product partners such as insurance companies, banks, and mutual insurers. The offering includes retirement and provident planning, supplementary health coverage, home and auto insurance, family budget management, and mortgage brokering, delivered through a network of certified financial advisors meeting clients at branch offices, their homes, or neutral locations.

Product overview

OVB Conseils en Patrimoine France operates as a comprehensive financial advisory and insurance brokerage firm offering personalized long-term financial guidance to individual clients. The company's product portfolio centers on its core financial advisory service, which provides detailed analysis and customized recommendations. This core offering is supported by specialized insurance products including retirement planning (Prévoyance retraite), health coverage (Santé), home insurance (Assurance multirisques habitation), auto insurance (Assurance auto), and property financing (Courtage en financements immobiliers). The company also provides family budget management services (Budget familial) and follows a structured advisory methodology. As an intermediary, OVB connects clients with partner insurance companies, banks, and mutual insurers rather than offering proprietary financial products. Services are delivered through a network of certified advisers providing consultations at agency offices, client homes, or neutral locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Conseil financier personnalisé (Personalized financial advisory) Long-term personalized financial advisory service based on detailed analysis of client situation, objectives, and needs. Certified advisors provide ongoing guidance and adapt financial decisions to life circumstances over several years. Designed for individual French households seeking comprehensive, long-term financial planning.
• Prévoyance retraite (Retirement and provident planning) Retirement planning and provident insurance advisory covering pension optimization, retirement savings plans (Plan Épargne Retraite), and future financial security preparation. Designed for individuals preparing for retirement.
• Santé (Supplementary health coverage advisory) Health insurance advisory and supplementary health coverage solutions designed to complement French base social security protection (mutuelle). Aimed at individuals and families seeking enhanced health coverage.
• Budget familial (Family budget management) Family budget management and optimization advisory helping clients distribute income according to the 50-30-20 rule and achieve household financial goals. Targeted at families seeking structured budget planning.
• Assurance multirisques habitation (MRH) Multi-risk home insurance brokerage covering damages to property, liability, natural disasters, and optional protections such as legal protection and assistance services. Mandatory for tenants and occupying co-owners.
• Assurance auto (Auto insurance) Automobile insurance brokerage covering third-party liability (mandatory), extended third-party coverage, and all-risk options. Includes coverage for weather events and natural disasters.
• Courtage en financements immobiliers (Mortgage brokering) Mortgage brokering service facilitating property ownership access through intermediary partnerships with banks and financial institutions. Designed for individuals seeking to finance real estate purchases.
• Assurance catastrophe naturelle (Natural disaster insurance) Natural disaster insurance brokerage covering damages from floods, storms, earthquakes, and other catastrophe events. Mandatory coverage that French insurers cannot refuse to provide.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core, supporting and minor.

• Insurance Companies (Assurances)coreOthersOVB France partners with multiple insurance companies to offer a wide range of insurance products including life insurance, health coverage, property insurance, and casualty insurance. These partnerships enable the company to provide comprehensive insurance solutions tailored to individual client needs.
• Banks (Banques)coreOthersBanking partnerships allow OVB France to offer mortgage financing, savings accounts, and other banking-related financial solutions to clients seeking property purchases or financial planning services.
• Mutual Insurance Companies (Mutuelles)coreOthersPartnerships with mutual insurance companies provide supplementary health coverage and other mutual insurance products to complement traditional insurance offerings for French clients.
• Other Financial ActorssupportingOthersOVB maintains relationships with various financial sector participants to ensure comprehensive solution availability for diverse client financial situations and needs.
• OVB Holding AGcoreOthersOVB Conseils en patrimoine France is a 100% owned subsidiary of OVB Holding AG, headquartered in Cologne, Germany. The parent company operates 16 subsidiaries across Europe and has been listed on the Frankfurt Stock Exchange since 2006. The partnership provides brand strength, operational support, and access to the broader European network of 3.3+ million clients.
• FWU Life Insurance Lux S.A. (Former Partner)minorOthersFWU Life Insurance Lux S.A. was a former insurance partner. The company was placed in judicial liquidation in January 2025 by the Luxembourg District Court. OVB France is providing client support and information regarding the liquidation process, claims procedures, and communication with the liquidator Yann Baden.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• April Group: French insurance broker and financial advisory group distributing personal and commercial insurance through partner networks. Closely comparable to OVB France's intermediation model across insurance and credit products in the French market.
• Meilleurtaux: French mortgage and insurance broker intermediating between consumers and bank/insurer partners. Overlaps directly with OVB France's Courtage en financements immobiliers and insurance brokerage lines.
• Patrimonia Group: French wealth and patrimonial advisory firm providing personalized long-term financial planning, insurance, and investment solutions to individuals. Highly comparable business model and target client base to OVB Conseils en Patrimoine France.

Broad incumbents

• SwissLife France: Major French life-insurance, health, and retirement provider with proprietary products and an in-house advisor network. Comparable to OVB France in life/health/retirement advisory focus, but as a vertically integrated carrier rather than a pure intermediary.
• AXA France: Largest French P&C and life insurer offering personal insurance, retirement, and savings through tied and open advisor networks. Comparable product breadth to OVB France but operates its own products at much larger scale.
• Maif: French mutual insurer offering home, auto, health, and savings products to individual members. Competes with OVB France in personal lines insurance with a mutual rather than intermediated distribution model.
• AG2R La Mondiale: Major French insurance and retirement group with personal and group savings, health, and pension products. Comparable in retirement/health advisory focus though predominantly a carrier with proprietary products.

Emerging players

• Réunica (AG2R Réunica): French insurance broker and advisory firm focused on personal protection and retirement planning. Direct overlap with OVB France's retirement and health intermediation offerings for individual clients.
• Boursorama Banque: Online banking and brokerage platform owned by Société Générale. Represents the digital-native competitive threat to OVB France's intermediated model, particularly for budget, savings, and simple insurance products.
• Linxo: French personal finance management and advisory platform. Adjacent competitor targeting the same 'budget familial' and personal financial guidance value proposition that OVB France offers through human advisors.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ovbfrance
• LinkedInlinkedin.com/company/ovbfrance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OVB Conseils en Patrimoine France